@incollection{,
	
					
					
					F67A671A325C0169B1968511BE0D392A
				,
	author={{Simon NahusenayEjigu} and {Debre Markos University}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1682535
}

@incollection{b0,
	
	
		,
	title={{Technological innovation and banking in Ghana: An evaluation of Customers perception}}
		,
	author={{
			JAbor
		}}
	
	
		,
	journal={{American Academy of Financial Management}}
		
			,
	year={2004}
		
	

}

@incollection{b1,
	
	
		,
	title={{Technological innovation and banking in Ghana: An evaluation of Customers perception}}
		,
	author={{
			JAbor
		}}
	
	
		,
	journal={{American Academy of Financial Management}}
		
			,
	year={2004}
		
	

}

@book{b2,
	
	
		,
	title={{Samson Oluwaseun Fadiya (2015) an empirical study of automated teller machine service quality on customer satisfaction international journal of scientific research in information systems and engineering (ijsrise)}}
		,
	author={{
			AdeleyeOlusanyaidowu
		}}
		
			1
		
	

}

@incollection{b3,
	
	
		,
	title={{Banking service quality provided by commercial banks and customer satisfaction}}
		,
	author={{
			SI.SAl-Hawary
		} and {
			MRAlhamali
		} and {
			ASAlghanim
		}}
		
		
	
	
		,
	journal={{American Journal of Scientific Research}}
		
			27
			
			,
	year={2011. 2011}
		
	

}

@book{b4,
	
	
		,
	title={{}}
		,
	author={{
			ArmstrongGary
		} and {
			PhilKotler
		}}
		
		
			,
	year={2004}
		
	
	,
	note={principles of marketing management 15 th edition}

}

@incollection{b5,
	
	
		,
	title={{Electronic banking in Malaysia: a note on evolution of services and consumer reactions}}
		,
	author={{
			KGBalachandher
		} and {
			VSantha
		} and {
			INorazlin
		} and {
			RPrasad
		}}
		
		
		
	
	
		,
	journal={{Journal of Internet Banking and Commence}}
		
			5
			15
			,
	year={2001}
		
	

}

@book{b6,
	
	
		,
	title={{}}
		,
	author={{
			BantingPeter
		} and {
			MAndrow
		} and {
			E
		}}
		
		
		
			,
	year={1998}
			,
	publisher={gross Business marketing}
		
	

}

@incollection{b7,
	
	
		,
	title={{Service quality in automated teller machines: an empirical investigation}}
		,
	author={{
			BedmanNarteh
		}}
	
	
		,
	journal={{An International Journal}}
		
			23
			1
			
			,
	year={2013}
		
	

}

@book{b8,
	
	
		,
	title={{Blending Warrien (1991) customer service operation published by America management association}}
		
			,
	address={New York}
		
	

}

@incollection{b9,
	
	
		,
	title={{Strategies for improving field service operations productivity and quality}}
		,
	author={{
			DFBlumberg
		}}
	
	
		,
	journal={{The Service Industries Journal}}
		
			14
			
			,
	year={1994}
		
	

}

@book{b10,
	
	
		,
	title={{Introductory Econometrics for Finance}}
		,
	author={{
			CBrooks
		}}
		
			,
	year={2008}
		
		
			University of Reading
		
	
	,
	note={2nd ed., the ICMA Centre}

}

@book{b11,
	
	
		,
	title={{contact customer service published by prentice hall career and technology}}
		,
	author={{
			DavidOffdonald
		} and {
			M
		}}
		
		
			,
	year={1994}
		
	

}

@book{b12,
	
	
		,
	title={{Customer sequence excellence}}
		,
	author={{
			JDebrg
		} and {
			Neill
		}}
		
		
			,
	year={1994}
			,
	address={New York, Richard D, lrwine, Anc}
		
	

}

@incollection{b13,
	
	
		,
	title={{Relationship Approach to Marketing in Services Context; the Marketing and Organisation Research Interface}}
		,
	author={{
			CGronroos
		}}
	
	
		,
	journal={{Journal of Business Research}}
		
			20
			
			,
	year={1990}
		
	

}

@book{b14,
	
	
		,
	title={{}}
		,
	author={{
			NGujarati
		}}
		
			,
	year={2004}
			,
	publisher={McGraw-Hill Book Company}
			,
	address={Basic Econometrics; Singapore}
		
	

}

@book{b15,
	
	
		,
	title={{The Service Profit Chain}}
		,
	author={{
			JLHeskett
		}}
		
			,
	year={1997}
			,
	publisher={Free Press}
			,
	address={New York}
		
	

}

@incollection{b16,
	
	
		,
	title={{}}
		,
	author={{
			Ir
		} and {
			AGilbant
		}}
		
	
	
		,
	journal={{Ehurenill Basic marketing Research}}
		
			,
	year={2001}
		
	

}

@book{b17,
	
	
		,
	title={{Kotter Philp marketing management's eleventh edition}}
		
			,
	year={2003}
		
	

}

@incollection{b18,
	
	
		,
	title={{How do service quality perceptions contribute in satisfying banking customers?}}
		,
	author={{
			EMMalik
		} and {
			BNaeem
		} and {
			ZArif
		}}
		
		
	
	
		,
	journal={{Interdisciplinary Journal of contemporary Research in Business}}
		
			3
			8
			
			,
	year={2011}
		
	

}

@book{b19,
	
	
		,
	title={{Service quality perspectives and customer satisfaction in commercial banks working in Jordan}}
		,
	author={{
			SA AMohammad
		} and {
			MY SAlhamadani
		}}
		
		
			,
	year={2011. 2011}
			14
			
		
	

}

@incollection{b20,
	
	
		,
	title={{Service quality delivery and its impact on customer satisfaction in the banking sector in Malaysia}}
		,
	author={{
			JMunusamy
		} and {
			SChelliah
		} and {
			WHMun
		}}
		
		
	
	
		,
	journal={{International Journal of Innovation, Management and Technology}}
		
			1
			4
			
			,
	year={2010}
		
	

}

@book{b21,
	
	
		,
	title={{}}
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	author={{
			NeillMac
		}}
		
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	year={1994}
		
	

}

@incollection{b22,
	
	
		,
	title={{Response Determinants in Satisfaction Judgement}}
		,
	author={{
			RLOliver
		}}
	
	
		,
	journal={{Journal of Consumer Research}}
		
			
			,
	year={1980. March}
		
	

}

@incollection{b23,
	
	
		,
	title={{SERVQUAL: A multiple-item scale form ensuring consumer perceptions of service quality}}
		,
	author={{
			AParasuraman
		} and {
			LLBerry
		} and {
			VAZeithaml
		}}
		
		
	
	
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	journal={{Journal of Retailing}}
		
			64
			1
			12
			,
	year={1988}
		
	

}

@incollection{b24,
	
	
		,
	title={{SERVQUAL: A Multiple-Item Scale for Measuring Consumer Perceptions of Service Quality}}
		,
	author={{
			AParasuraman
		} and {
			VAZeithaml
		} and {
			LBerry
		}}
		
		
	
	
		,
	journal={{Journal of Retailing}}
		
			64
			
			,
	year={1988}
		
	
	,
	note={spring}

}

@incollection{b25,
	
	
		,
	title={{The productivity paradox is false: Information technology improves service performance}}
		,
	author={{
			BQuinn
		}}
	
	
		,
	journal={{Advances in Services Markating & Management}}
		
			
			,
	year={1996}
		
	

}

@book{b26,
	
	
		,
	title={{Demographic discriminators of service quality in the banking industry}}
		,
	author={{
			MRStafford
		}}
		
			,
	year={1996}
		
	

}

@incollection{b27,
	
	
		,
	title={{Determining and assessing the determinants of eservice operations}}
		,
	author={{
			HSurjadjaja
		} and {
			SGhosh
		} and {
			JAntony
		}}
		
		
	
	
		,
	journal={{Managing Service Quality}}
		
			13
			1
			
			,
	year={2003}
		
	

}

@book{b28,
	
	
		,
	title={{The Effect of Customer Service Quality on Customer Satisfaction in Selected Private Banks}}
		,
	author={{
			TizazuKassa
		}}
		
			,
	year={2012}
		
	

}

@incollection{b29,
	
	
		,
	title={{A study of e-recruitment technology adoption in Malaysia}}
		,
	author={{
			YKTong
		}}
	
	
		,
	journal={{Industrial Management & Data Systems}}
		
			109
			2
			
			,
	year={2009}
		
	

}

@book{b30,
	
	
		,
	title={{}}
		,
	author={{
			WalkerBuree
		} and {
			JWillia
		} and {
			JSanton
		} and {
			JMichacl
		}}
		
		
		
		
			,
	year={1964}
		
	
	,
	note={Etzat fundamental of marketing}

}

@book{b31,
	
	
		,
	author={{
			TYamane
		}}
		,
	title={{Statistics, An Introductory Analysis}}
				New York
		
			,
	publisher={Harper and Row}
			,
	year={1967}
		
	
	,
	note={2nd ed.}

}